Whether you’re a home-buyer or seller, you have to deal with a real estate agent for a safe and hassle-free transaction.
Only a few sellers prefer to purchase or sell a home without help of a real estate broker. But most of those for-sale-by-owner transactions are done between buyers and seller who are already related to or know each other. On the other hand, most home-buyers work with a real estate agent while buying a property.
Here’s how your realtor gets paid…
Attending college is a rewarding and exciting time in a young person’s life. It’s a period marking your transition from childhood to adulthood and the obligations that come along with it. A critical area of responsibility necessary for this change is finances; you must be financially prepared for college and everything that comes after. Savings, scholarships and grants, and student loans are topics you need to become educated in.
A classic car can provide a number of priceless experiences and joys – tuning it, caring for it, repairing it, and last but not least, driving it! Whether you’ve had a classic car for decades or just recently acquired one, you are certainly familiar with its intangible values.
Monetary value, on the other hand, can be a lot harder to get a handle on.
There are so many variables that go into appraising the value of a car, it can get a little overwhelming. Knowing which steps to take in order to protect its value adds yet another layer of complexity.
Student loan forgiveness has been a hot headline over the last year. The ever increasing mass of student loan debt continues to weigh on the hearts and minds of our college graduates. Today, 7 in 10 college seniors are graduating with student loan debt! While student loans are a necessary tool for some students, they should be used carefully by borrowers.
You may have seen the late night television ads preaching the benefits of student loan forgiveness. Despite what these television ads say, not everyone is eligible for student loan forgiveness. These ads are often being run by unethical telemarketers looking to take advantage of uneducated student loan borrowers. To qualify for student loan forgiveness you must meet certain eligibility requirements for federal programs. Don’t find yourself victim to a student loan forgiveness scams.
The following U.S. Department of Education programs can actually forgive your student loan debt:
In the modern age, getting rid of debt has various implications. There’s the simple idea of lowering bills, living a debt-free lifestyle or simply putting yourself in a position to save money. But there is also the on-going concern of keeping your credit score intact.
We live in a loan-oriented society and, for most of us, borrowing is critical. We need a car or can do better financially if we buy a home instead of rent sometimes. We want to start a business or pay for tuition to live better lives. These are not frivolous moments. A credit score is critical at important junctions in our lives.
You need some basic understanding of money to understand loans, but in the modern era it also pays to know a few tricks to helping your credit score that go beyond simply, “don’t make late payments, ever.” That’s obvious. But here are some less obvious methods of keeping credit scores healthy…
Runaway debt and credit debt is the new normal. It doesn’t necessarily occur because you spend beyond your means, but can happen as a result of your FICO score dropping whenever you apply for a lease on an apartment, a credit card account, or a car loan. The company that reviews your application will pay a fee to check your credit and these checks are not harmless, but can actually create a dent in your credit score.
Without realizing it, you may end up paying higher interest for everything because of your lower FICO score. This may actually force you to run out of money. At this point, it’s easy to fall into some heavy debt as you scramble for survival.
So, it’s a negative cycle: inquiries on your credit card may lower your FICO scores; these then results in paying more for everything because of higher interest rates. This situation, in turn, may then lead to runaway debt.
In order to arrest this negative spiral, you first have to understand how the credit scoring system works…
An exceptionally important document, there is now no doubt that a resume is a critical part of active job search.
It forms the basis of attaining a lucrative designation at imminent industries and organizations.
Due to the significance of this piece of paper, much advice has been rendered regarding the different ways to draft a crisp and succinct resume.
Numerous formats are floating around in the employment circuit ranging from traditional to modern, effectiveness of which depends on the target institution and available job profile.
You’ve graduated college, now your student loan forbearance or “grace period” will end soon and you don’t know how to formulate a payoff strategy.
For those who don’t know where to start, below are 4 tried-and-true strategies to help jump-start your loan payoff…